Expertise.com

Best Health Insurance Agencies in Simi Valley

Laurels
2023
Laurels

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Arletta Insurance logo
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License Verified:

License: 0D56071

California Department of Insurance

Arletta Insurance

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5567 Reseda Blvd Suite 210, Tarzana, CA 91356
  • Health Insurance

Business Description

Arletta Insurance is a full-service insurance firm that provides diverse insurance solutions to clients in Simi Valley and nearby communities. The company helps individuals and families obtain financial aid for a variety of illnesses with a health insurance policy. The independent insurance agency shops for different medical insurance options among multiple providers, particularly Fee-for-Service and Managed Care insurance plans. Its agents also deliver dental and life insurance policies, as well as Medicare supplements. The company operates throughout California.

License Verified:

License: 0D56071

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
5.0 / 5 (34)
Facebook
5.0 / 5 (29)
Google
4.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Eric Little logo
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License Verified:

License: 0B84926

California Department of Insurance

Eric Little

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1985 First Street, Simi Valley, CA 93065
  • Medicare Supplements

Business Description

Eric Little is a local insurance agent who caters to the needs of State Farm Insurance clients in Simi Valley. He handles health insurance policies, guiding individuals, families, and businesses in choosing the right health benefits based on their needs. He focuses on individual medical, supplemental health, and Medicare Supplement plans. He also helps clients who wish to update their current health policies and file for medical claims. Little serves both English-speaking and Spanish-speaking communities.

License Verified:

License: 0B84926

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (8)
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Micah Cohen & Sean Velasquez logo
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License Verified:

License: 0C38927

California Department of Insurance

Micah Cohen & Sean Velasquez

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3355 Cochran Street, Simi Valley, CA 93063
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Micah Cohen & Sean Velasquez are local business representatives of American Income Life Insurance Company in Simi Valley. Micah and Sean are independent contractors that offer AIL coverages for life insurance, supplemental health, and accident insurance. Micah has been in the insurance industry for 20 years now, starting as a field agent for AIL and then managing the family-owned and family-operated AIL local office. Sean, a US Air Force veteran, joined AIL in 2011 and is one of AIL's top-performing agents.

License Verified:

License: 0C38927

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mike Fiscus logo
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License Verified:

License: 0M29549

California Department of Insurance

Mike Fiscus

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65 West Easy Street, Simi Valley, CA 93065
  • Individual Plans
  • Life Insurance

Business Description

Simi Valley’s Mike Fiscus, a State Farm insurance agent, runs Fiscus Insurance Agency Inc. that serves the insurance needs of residents and local businesses in the area and surrounding communities. He carries health insurance services like supplemental health insurance, Medicare Supplements, individual medical, change policy, and pet medical plans. Additionally, he provides business insurance services like surety & fidelity bonds, business owners' policy, workers' compensation, contractors' policy, and liability umbrella. He also serves home & property packages.

License Verified:

License: 0M29549

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.